In early 1999 I found myself in a very frustrating situation. I was 29 years old. I was working extremely hard as a fiber optics salesman… and I was broke. My wife and I had been married for over six years. We’d just had our first child, whom we were thrilled about, however, when it came to work, money and time, we were struggling. We started praying for a better way.

My wife received a phone call one evening from a lady she had met recently. She said that she was in training with a company that was expanding, and that we should take a look at it. She said this company, Primerica, might be able to help us. We decided to meet up with her and see what this company was all about.

Neither of us had ever even heard of Primerica and I admit we were skeptical. After about 30 minutes into our meeting with the Primerica reps, I began to realize that what they were saying actually made sense. They spoke about developing “a written program to monitor and eliminate debt, term life insurance being the foundation to your financial house, and the basics of successful investing.”

At 29, I’d never been taught these principles before. I never finished college and I had no experience with “financial stuff.” He assured me that they could help educate us about our finances. The first step would be to fill out a Financial Needs Analysis (FNA) and based on where we stood financially and what our goals were, we would see what could be done.

We met again two weeks later and went through the results. It was simple: Follow a plan to pay off credit card debts, put some term insurance in place to protect my young family (we had no insurance at that time) and find a way to make more money. They said that Primerica would teach us how to do all of the above. They would even offer us an opportunity to start part-time and show us how to build a business by teaching other people what they taught us.

I guess we were just so eager to change our lives we believed them. We paid a small start-up fee, started the training process, and moved forward in faith.

Now it’s 10 years later and I’m 40 years old. I can’t help but think about how different my life could’ve turned out.

What if I hadn’t agreed to that appointment? What if I trusted my initial skeptical feelings? What if I’d listened to several friends who doubted Primerica? What if I believed Internet chat rooms, unregulated Web sites, and less than credible sources?

Well, my family’s life would be a lot different. See, what’s happened in the past 10 years is that we have grown tremendously — as people and as leaders. We have built amazing friendships. We’ve helped thousands of families get back on track financially. We are financially independent and have been able to give away more money each year than we used to earn before Primerica. The opportunity turned out to be a bigger blessing that we could have ever imagined.

Primerica helps Royce enjoy the riches of family, relationships and people. Watch the video to find out how Primerica helps him “have it all.”

We now have seven offices across upstate New York and many great people working with us. We love what Primerica does for families and we love the freedom we now have. We don’t punch a time clock. Each day is our own. I’ve spent countless mornings with my children. When my son turned one, I took each Friday off and we spent the day together. We did that for four years until he went to kindergarten.

We’ve traveled together as a family to so many amazing places all over the world, and created lifelong memories. My children are so much more confident because of the “family” business. We just returned from a trip to Montreal together where we spoke to over 500 people about changing their lives through this great opportunity.

The most amazing part about that is that my 11-year old daughter spoke in that meeting about how the business has impacted her personally. Imagine an 11-year old speaking to 500 people with confidence and grace so she could impact their lives. The list of benefits of winning in Primerica is extensive.

I have found tremendous success with Primerica and so have countless others. But that is not to say that Primerica is easy. It is not a “get rich quick” scheme. It would be ridiculous to think so. My life is proof that it is real, and there are thousands of other people around the world who would agree.

The Federal Trade Commission doesn’t doubt that Primerica is real. Neither does the Better Business Bureau, FINRA or any of the other regulatory agencies in this country. I encourage you to check the facts and to get your information from these credible sources.

I am living proof that Primerica is real. I was a skeptic who is now a successful businessman with the freedom to live the life of his dreams. There are a lot of businesses out there you should beware of. Primerica is not, and has never been, one of them.

I think we have to create our own experience in life, and we have to move forward in faith. When we do that, put forth an honest effort, and do the right things long enough — only then can we look back and really see the “real picture.”

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62 Responses to “Primerica: The Real Picture”

  1. November 3rd, 2009 at 5:47 pm Zach Mann Says:

    Great Story!!

  2. December 9th, 2009 at 7:33 pm Douglas Says:

    Awesome story. I couldn’t help but take my dinner hour and listen to this. Many people don’t understand the importance of finding first what is “good” before finding what’s “profitable.
    Every once in a while, a person has the opportunity to find a means that serves what is “good” and “profitable.” I like how his story reinforced the idea that profit usually occurs once you genuinely believe in the idea supporting it.

    Good for you Chris.

  3. January 9th, 2010 at 5:53 am Marsha Says:

    I’m so glad that I read this as I have an interveiw today with this company and I was very skeptical even about going for this interveiw.

  4. January 16th, 2010 at 4:57 pm Marvin Miller Says:

    This was a great post. It gives me somewhere to send folks that are thinking about the opportunity.

  5. January 17th, 2010 at 7:24 pm Brian lee Says:

    great Royce!!!

  6. January 28th, 2010 at 5:54 pm Patrick Flannery Says:

    Why don’t they talk about what they actually do to make money? “Helping families” is not an acceptable answer.

  7. February 1st, 2010 at 2:11 pm Steve Says:

    I think saying that Primerica’s a scam is the wrong word. It certainly isn’t illegal, and unlike a real scam, it doesn’t take your money without your realizing it and the possibilities of wealth and happiness it advertises are possible, albeit unlikely.

    However, Primerica is preys on the desperate and the greedy. Chris, I congratulate you on being successful with Primerica, and I’m not claiming that doing such is impossible. However, a huge number of managers use the promises of wealth that probably won’t come. The cold hard truth is that most people with Primerica do not make enough money to live off of, especially if they have a family to support.

    Almost all reports online about Primerica are little more than personal stories. Yours happens to be positive, but most of them are overwhelmingly negative. Doesn’t that make you think that you might be the exception, not the norm?

  8. February 2nd, 2010 at 5:48 pm Sandra Says:

    I am a representative of Primerica Financial Services and my mom is a RVP based in California. I truly believe that Primerica is a great company and anyone can find success.
    I know some people out there are skeptics, like Steve.
    However, the truth is that Primerica offers great products that virtually every family needs. Unless you have 200k to 500k saved up, then your family needs term life insurance.
    The opportunity is even better! The fact is that most people do not know what it takes to start up a business…like dedication and hard work. We are all programmed to clock in/clock out! And leave work at work and not take it home. This leads most family to just get by/surviving instead of truly living life.
    Primerica gives you the chance to build your business and eventually you will not just be surviving but living life like a business owner. Honestly, for most people, knowing how to run their own business never crossed their minds. Primerica gives people a chance to do just that. Anyone who is willing to put in the hours and work ethic are the norm in Primerica.

  9. February 3rd, 2010 at 4:15 pm Olga Says:

    Thank you Sandra for your post, I appreciate every body that takes the time to stop by and give us their opinion, I believe in Primerica, and agree with you, however not every one takes the opportunity to form their own opinion by coming to a workshop or an opportunity meeting, and that is really heartbreaking, because when I talk to someone about primerica, it’s really an invitation to work together hand in hand, to be of service to families that need our products and to not have to do it alone but rather in harmony with mentors that have put in the hard work and are now harvesting the fruit of their labor, that are happy to teach and guide us to achieving the goals and desires we have for families.
    I am delighted to offer this opportunity with the same kindness it was offered to me, however it takes hard work, dedication and the desire to not want to work all of your life. It takes the desire to become finally free. and have in abundance so we can do wonderful things in our lifetime, the most common opinion people have about Primerica is that there are few who make it and few who get to live a life in such abundance that it’s hard to imagine, I believe that anything is possible however we have to have trust in God and work in fellowship because he will provide, if we do what is right and we have to have faith and belief in our self’s, in history we know of great structures and great accomplishments that have happened because someone believed it could be done, as that person is being criticized by hundreds if not thousands of people that didn’t believe. Sandra thanks again for your post and please don’t forget about us, stop in and say hello when you think of us, have a great day and God Bless you: your friend Olga 🙂

  10. February 19th, 2010 at 1:13 pm Duane Says:

    Hey Olga – you’ve said some things that I would expect most Primericans to say, including myself. I’ve been with the company for nearly four years and it’s absolutely amazing to me how things just continue to get better; Primerica is so unlike anything I’ve ever seen in Corporate America and I sincerely take my hat off to the leadership of this company and it’s founders. It is so evident to me that Primerica is one company that truly cares about their people and their clients. So, if there’s any among you currently doing your research – be thorough and apply some common sense to what you’re reading. There are many negative people out there who don’t possess those winning qualities that are on the inside of a person, and it’s easier to throw mud at the company and it’s people than it is to look within and say “I wasn’t willing work on myself and get better.” If you’re not willing to work hard on yourself to improve your life and the lives of others, then maybe Primerica is not for you. On the other hand, if you’re a person that cares deeply about your family and there’s just something inside of you that says “just give me a chance to win and I’ll do it” then brother, you have found a home!

  11. March 5th, 2010 at 12:19 am Jorge Says:

    Hey Steve, I’m not with Primerica but I’m very familiar with it. Been to presentations and have family and friends involved. I own my own business in the architectural millwork industry. Let me tell you that not every millwork shop becomes a success, and there are thousands in the nation. Not everyone who starts a business is wealth and most give up in the first year. Yet, the opportunity and potential is there. Starting a business only gurantees us the opportunity. why should Primerica be different???

  12. March 28th, 2010 at 8:43 am trevon moreland Says:

    We have all inherited a system work. Its 2010 and every race has experienced slavery (JOBS). Any legal idea giving you the OPPORTUNITY to benefit your consumer, and provide for your household is a blessing. There are plenty of jobs (slavery) titles that serve no purpose, but to destroy families and morals. If going to work ontime, and experiencing the hazing attitudes of corporate america, is a dream for you continue. A gold watch, a certificate, and a retiring party is all you get making someone else richer. We have a freedom most americans never appreciate until they visit other countries. I’m 23 served my country in the iraq war, and I feel like its time I give back to my family for lost time clocking in / clocking out. This OPPORTUNITY is not for everyone, but everybody needs this opportunity.

  13. April 14th, 2010 at 8:22 pm The Prospect Says:

    I looked at the Primerica opportunity and asked questions.
    First thing I asked was what percentage of the people who start are really successful? The RVP said 2%. He went on to say between 10-20% more make decent money. After looking at a lot of businesses I would saythat’s about the same in any commission sale company and in fact in life in general. I’m trying not to be critical, but most people aren’t leaders and in fact want to be lead. I have manageed large groups of people in several large companies. I asked more questions.
    There are tons of people who pay the licensing fee and never go to the classes. Some pay the money and take the classes and never take the test. Some go all the way pay the money, take the classes, take the test and then never show up. some show up and never do a thing. Some do a little and decide it’s too hard.
    I have a friend who hires for Home Depot. He says after the interview, if he hires 10 people 3-4 just wont show up, one or two quit the first day or two and some get fired in the first week. So for 10 that he hires – he gets 1-2 employees. So it looks to me like the only scam out there is people who want something for nothing.
    As far as the opportunity, sales in all business is about prospecting. If you’re new to sales and inexperienced your only asset is your frineds – guess who Primerica and everyone else in sales tells you to go after frist! Guess who you are mot familiar and most at ease with. You probably won’t sell anything, so in a very short while you are into a “cold” market. So if you’re not willing to get good at cold marketing – stay out of sales! Primerica products are average to good, but packaged as a very good assembly. People crave advice – any advice. what most people need is a plan – Primerica’s is free. Of course they want you to buy their product. When you go to work – any kind of work you want to get paid. Like I said, Primerica’s products aren’t the “best”. Don’t necessarily have all the bells and whistles, don’t necessairly cost the most or aren’t the cheapest either. But the plan they give you is worth a lot. It’s by far their best product. I’ve been in the Real Estate, Mortgage, Loan, Insurance and Investments business for more than 30 years (not with Primerica). Don’t see much wrong with their business. Most of what I see in condemnation is agents (of other companies) spouting their sour grapes. The agents for all the companies take the same classes and take the same tests. Most other companies have no “opportunity” to take advantage of. If you really want to take advantage of whatever opportunity is available to you – quit bitching and go to work – or go get a job and see how they treat you. You want to be rich and successful, just go to work!Primerica or any other company is just a vehicle for your desire and ambition. If you’re complaining about

  14. June 22nd, 2010 at 1:23 pm Richard Says:

    Steve complains that most people don’t rise to the top in Primerica. Primerica offeres an opportunity not a sure thing. Those who do well have been shown how to do well just like everyone else but they are the ones who apply those principles and do the hard work it takes.
    I believe the same is true in any legitamate company. How many store clerks working at Sears rise to store manager? How many store managers rise to Regional VP? How many of those VP’s become CEO of the company? Rising up through the ranks in Primerica is much easier and the supervisor above you looks at you as an asset not a threat to their career. They want you to do well and as you succeed so do they. Primerica offers an opportunity and trains you to succeed. The rest is up to you.

  15. July 8th, 2010 at 6:29 pm Carrie Says:

    Having worked in ‘boiler room’ style sales offices, phone rooms, and ‘tech support’ for several different and notorious companies, I can honestly say that I am looking forward to the meeting I have agreed to go to this Friday. Why? Because the little bit of information I heard made sense. When I worked in the sales offices, my job was to ‘keep the money in the house’… Meaning that I talked to frustrated clients all day everyday about what it was to have your own business. I am not expecting Primerica to HAND me something for nothing. Nor do I think my start-up fee is going to miraculously turn into a million dollars. What I DO expect is that the opportunity will be what I make of it. In today’s economy, EVERYONE is concerned about their money, retirement, and finances in general. From what I have seen, Primerica offers something that is definitely in need, and I am looking forward to finding out more!

  16. July 16th, 2010 at 10:11 pm KB Says:

    The market for Primerica is endless sure there are thousands of businesses that start up every year especially after the recession people are feeling that there jobs are not so safe and secure anymore. The thing that separates Primerica from the rest is money! sure people start business but are they in a market that deals with money? people are thinking about money several times everyday especially the fact that they don’t have enough of it and how they can make/save more. This is where Primerica is truly amazing and the income you get paid for what you do is ridiculous. There are certain characteristics your business needs to have in order for it to become successful Primerica has every one! look into it if you don’t believe me I would rather work as hard as I can for 5-7 years then rent out my time and build someone else’s business for the next 30 years!

  17. August 2nd, 2010 at 4:44 am John Says:

    Ive been researching about Primerica alot and i dont know if i should really believe it or not. However i am willing to give it a try and i hope that it can work out for me!

  18. August 23rd, 2010 at 7:13 pm Jorge Says:

    Anybody that talks bad or encourages anybody not to go for things in life, dont matter what it is has no clue what life is all about. Life is about living and go for things that are extraordinary, so what if you dont make it! so what!! at least you can die free from I should of, I could of. Go to visit Nursing homes and you see those folks talk about what if they would of taken the opportunities to do things they did not. Is so sad to listen to others who live a average life, and so sad that some people listen to them.

  19. September 6th, 2010 at 1:30 pm Rose Says:

    Chris thanks so much for your inspiration!
    For those who still don’t know what we do – We train and develop individuals to own and operate their own Primerica business and make a six figure+ income & we market financial solutions – go to, read the ABC’s of Making Money, Start Late Finish Rich – just a few of the great resources to learn more about our company.
    And on another note, if Primerica is a scam, tell me this – WHY THE HECK AM I GOING THROUGH A 20-HR COURSE TORTURING MYSELF WITH STUDYING FOR STATE, NATIONAL & FEDERAL LICENSES,FINGERPRINTING, YEARLY CONTINUING EDUCATION, JUST TO WORK FOR A SCAM? Are the companies we work with involved in this scam too? Metlife, Genworth Financial, Citibank to name a few? Did Warburg Pincus investigate us and saw that we were a scam and STILL invested $230M to buy our stock WHEN PRIMERICA WENT PUBLIC AND WAS LISTED ON THE NYSE IN APRIL 2010 – DID THE ATTORNEYS, ACCOUNTANTS AND OTHER PARTIES INVOLVED IN THE IPO PROCESS NOT DO THEIR DUE DILIGENCE? Give it a rest people! I don’t know about anyone else, but my time is very valuable and I am too pretty to go to jail! 🙂 so I take this business very seriously. Primerica is the best opportunity that ever happened to me -a chance to help families get on the right financial track and teach individuals a business – yes business – you know the kind where you help people and make money, recruit people to work and pay them when they do, the kind that you have to have a location, licenses, staff and clients? Yes that business!!! The one where you can leverage your time and income through staffing? YES A BUSINESS?
    Primerica reps are taught business and leadership skills and therefore we know how to create work (vs just process work as you are taught as an employee – where when work is no longer available or they no longer need you, you are out of a job) and have longevity in their business because we’ve been taught by the very best – such as Chris Royce.

  20. September 24th, 2010 at 10:35 am Phil Says:

    Hard work is rewarded when you are in business and build a team that works towards a common goal of success. For someone that is used to 10-12 hour days working in factories doing everything required and going above and beyond to fix problems and find solutions, I was not rewarded as an employee. Picking up extra work on a temporary job with the federal government I met someone who introduced me to a way to work part-time helping families look at their debt, make a plan to get out of debt, and offer solutions to reduce their debt. I was willing to listen. As I investigated online I read many anonymous posts about Primerica, most likely from people that work for a company in the same industry trying to tarnish the reputation of their competition. Fortunately, I took these opinions with a grain of salt and worked on some real research with the BBB, Federal Trade Commission, NYSE, FINRA, and other credible sources. Primerica is all about people teaching other people in Team Building, Business, Finances, Leadership, Family and Spiritual values.

  21. October 9th, 2010 at 9:50 pm Edwin D. Says:

    Ok. My mother is trying to recruit me! This is where I draw the line. I think Primerica is taking advantage of her with promises of financial independence. Primerica is for people who are natural salesman and have a lot of experience in advising people about finances. My mother is neither. I would have more respect for the company if they stop playing psychological games by making references to 5-star hotel conferences and dinners, high salaries, and the need for recruiting. Does Primerica truly believe that they offer the best financial products in the U.S.? After research, I can assure you they’re not. Anybody educated in personal finances know that a single package of services does not work for everybody in every single situation.
    Primerica should tell people that they will be selling financial products. Maybe my mother is good as selling, but I’m not studying social work to help everybody to become a salesman. That’s truly an individual choice. Primerica needs to stop making people believe that they were born to sale financial products.

  22. October 11th, 2010 at 1:16 pm Courtney Says:

    I have to admit that when I was approached by a friend of my boyfriend who was actually an elderly gentlemen who had just started doing this I admit we were both skeptical because there are all kinds of scamms and schemes out there. I attended one of the meetings at my house yesterday before I went to work and I am the kind of person that is very blunt and brutually honest so I tend to say what I think. I definitely going to give it a try because it does have alot of the same principles that I was taught when I was telemarketing for west teleservices.

  23. October 16th, 2010 at 9:20 pm lorna campbell Says:

    is priamerica a scam

  24. October 16th, 2010 at 9:22 pm lorna campbell Says:

    is primerica a scam

  25. October 17th, 2010 at 8:00 pm TamRVP Says:

    I love this business 😀

  26. October 20th, 2010 at 12:54 pm Grace Says:

    I just started 7 months ago and i believe that God is with me and my group in this business of helping people in terms of finances. It is not easy so many learning curves to begin with but it is all worth it. I know and i believe that it will pay out in the end. I know that it will change our lives if we will give it a chance to grasp the system itself.

  27. October 28th, 2010 at 2:36 pm Joanne Rzezniczek Says:

    I worked with Primerica from November 2006 to June 2009. I had to quite that June due to Medical reasons. This opportunity that is presented to any person by Primerica demands that the representatives be willing to learn hard, work hard, and I did work many hours with the knowledge that I was learning how to ‘run my own business’. As I became ill, I realized that I would never have the energy it took to become an RVP (Regional Vice-President).

    This company was the best company that I worked with for many, many reasons. I had 25 years of professional experience in management/supervisor positions as well as being an employee under management. Not once, had I ever been introduced to ‘management’ that taught their representatives ‘how to think positive’ on a daily basis.’Learning’ how to think positive is a skill. It got to the point where I couldn’t tolerate being around any ‘person’ who was a negative thinker. The Regional Vice-Presidents that ran their own branches taught their representatives every think they knew because a strong team was in their best interest as well as teaching representatives how to create, develop and maintain their own teams. Every ones at Primerica. There will always be people who ‘don’t get it – the opportunity’. They lack the intelligence and savey that it takes to see the whole picture. I would encourage any person who feels inspired by Primerica to give it a good, great try. Most of all, Primerica put my family on the right financial track because of the Financial Needs Analysis that is provided. My family no longer feels financial stress be cause we have a clear path to follow. This ‘peace of mind’ itself is huge. All of the people that I met at Primerica were wonderful to work with; very generous and giving of their knowledge and incredibly positive to be around.

  28. October 31st, 2010 at 7:18 am A London Says:

    I spent time unwittingly at first with this company, and I will state like any home based business, you’re going to run into reps that are honest or not.

    I answered an ad in a local paper looking for someone to help with their accounting system. I went on an “interview” and noticed they had a room set up with chairs and a projector (this was back in the early 90’s) but they did express they had someone who already helped them, but still needed me for some other IT issues. The woman was an RVP for Primerica, and yes I did help her with the initial request. Was there a soft sell to stick around and listen to her presentation? Yes. Did I listen to what they had to say? Sure.

    At the time Primerica was a thinly disguised name for Travelers Insurance. I went to the classes but stopped short of getting my license to sell insurance. I did have the RVP meet with 2 friends of mine that I knew were financially a wreck, I did not receive a dime nor expected one. I wasn’t a representative for the company, I just knew that they needed help. I did learn however how to use a spit kit and take saliva samples to submit with the necessary forms, but on the whole it wasn’t for me. I did however appreciate the opportunity to learn about insurance from the standpoint of “hey this is what you need to know to sell this stuff and get your license” and the financial investing “illegal to quote above 12% return” (hey this was the 90’s) when your hard earned dollar was making at the most 2-3% in the bank, and the banks turned around and made 18% and above. I know fora fact that was true as I was in that industry for 8 years and was a Jr. Vice President when I left.

    The RVP was very good at what she did, she was able to help my one friend, however, the other had such bad credit that insurance companies couldn’t touch them, or figure out a way to get them to live by the basics, if a family simply doesn’t have the income or a dime extra or unable to “pay yourself first” They do teach good logical values, that most people don’t get taught on an everyday basis.

    I’m not a fan of MLM’s and I wouldn’t consider Primerica to be a scam at all. You do however need to have a base to make your commission off of, and it is going to come from selling insurance plain and simple. The means to get people to come and join may be at best a gray area, you can sugar coat it all you want but the reality is, in today’s market and where our economy is, this is going to be a tougher sell. No matter what I still believe everyone should get advice financially regardless if they hire an adviser,watch Suze Orman, or use a “Primerica” just for the invaluable information they do teach.

    The world is always going to be full of woulda-coulda -shoulda’s, but that’s true of any aspect of life. Just be careful of any business venture that makes too many promises. Primerica at the end of the day was not for me, but I do know with very hard work and dedication you can make any business successful if you have good core values, and a business plan and the time and money to invest in it.

  29. November 1st, 2010 at 12:24 am Anthony Says:

    I started working for Primerica 5 months ago, I have learned more about finances on those 5 months than in my 29 years of living, there are very great people working for this company, different backgrounds, different personalities, all working together to help each other. I HAVE NEVER SEEN THIS ANYWHERE I’D WORKED BEFORE. Primerica paid for my license and reimbursed the exam, and my license is active with the state. All of the legitimate web sites claimed, it is all there. If you still want to look on illegitimate web sites and blogs, go look, but even wikipedia talks great about the company! Not everyone makes it because a lot of people takes the freedom for granted, you must change as a person because you are into a real business and the most difficult person to lead is yourself, that is basically the hard work, yourself, this happens with every other business around, not just Primerica, There is support here, we are not going into business alone. Work it like a job and it will pay. I say it with my heart, when you start, don’t miss anything in the trainings, practice everything, use all the tools to study for your license, ask any questions even if it seems not important, be persistent, follow the steps of those who have success around you, by doing this you will also succeed.

  30. November 15th, 2010 at 11:20 am Maria Says:

    I really appreciate this encouragement.
    I know about Primerica, It was not the right time for me then. I have my meeting with them today.
    Now the kids are out I have all the time to invest I just lost my endless job.
    Planning to get a partime job and really focus on their system which I always believed on it but as a single mom with two small kids was not the right time to focus on it before.

    Thanks again

  31. November 21st, 2010 at 10:51 am Tim Pletcher Says:

    Very neat story, I have fond memories of this company and all they do to help families! Probably the most impressive was to learn that while other companies practiced predatory lending Primerica sold only healthy products and as a result have healthy customers! This company embodies everything great about America, an opportunity that us unmatched anywhere in the world!

  32. November 23rd, 2010 at 1:05 am A T Hrubes Says:

    Nov 22, 2010
    The insurance industry will in ever increasing numbers, support mlm as a method of selling their products. Direct sales are cost effective for these companies and give them a bang for their buck. Few people have what it takes to really do well in mlm, but in the process they do make some sales which is positive for the companies.

  33. December 9th, 2010 at 12:55 pm Leonard Says:

    This testimonial only details the benefits of working for primerica. It does not state anything about the business. It tells you nothing.

  34. December 15th, 2010 at 8:11 pm gp Says:

    My advise to anybody looking for the truth, do not listen to someone who is a Primerica drop out. Listen to those who made it and are still doing it. Just like when you go to college you want to know how college life is, you do not ask the college drop outs. You ask the college graduates. I love Primerica. I believe it is a God given opportunity. Just remember, life is a gift. And what we do with it is our gift back to Him. Primerica allows me to change lives and in so doing, change my life too. Hard work and prayers always go together.Happy holidays to my fellow Primerica Family.

  35. December 22nd, 2010 at 8:22 am Floyd Says:

    I believe in Primerica. I have been a business owner in this company for over a year now and everything that was told to me from the beginning has been true and is still working today. This is an opportunity for small and middle america to become what dreams are made of and have a good feeling about what you are doing in the process; it’s about helping families and teaching them how money works. Showing them how to put a finicial future in place and to eliminate ALL your Debt no matter how big or small it is. I thank the person all the time who introduced me to this oportunity. Try it you might like it!

  36. December 24th, 2010 at 9:12 am Zack Goton Says:

    I am still confused. What exactly does this company do in order to make money? Just exactly what do you mean by helping families? How much do these families pay you for your service?Please somebody tell me something about the actual business.

  37. December 31st, 2010 at 11:36 am Marine883 Says:

    Essentially this company is a very legit company. It uses
    term insurance and “SMART” loans as it’s main backing. It teaches
    you how money works as it’s been stated. I was with this company
    for 6 months or so I got my license but I didn’t stay with the
    company cause I just wasn’t made for that type of thing…and not
    everyone is. Even though my story didn’t work out I still recommend
    Primerica to anyone that is ignorant of how the financial system
    Really goes. It’s a real eye opener and I’d say 95% of the people
    in America really have no clue how to secure their financial
    freedom or get out of debt. They don’t have a plan inplace and
    noone has bothered to show them how they truly can. If your
    interested in this company I suggest attending a meeting it doesn’t
    cost you anything but a few hours of your time and you just might
    learn some things you wish you had Much earlier in your

  38. January 2nd, 2011 at 6:03 pm Jeffrey Senger Says:

    I really have to say that alot of what I have read at this
    website is good and constructive.Some of these people really get
    it!There is something to be to said about getting the best and
    current advice possible, when it matters most. I am a rep in
    Primerica. I have not done much in 4 yrs. but have decided to get
    the lead out. Getting bold!!! THe one person who said that our
    products are average to good is some what warm, but not totally
    accurate.The products are designed around sound Financial
    Fundamentals, so they do well in all business cycles. It is proven
    over 30 yrs.Also we at the office talk about the products as being
    GOOD ENOUGH!!! YOU see the real product is you. It will not always
    cost less, because sometimes it needs to cost more, sometimes
    less.What matters most is inside, just like human beings.Overall do
    not complain!!! Just get moving.This country needs the help!!! We
    have the best industry wide relationships imaginable. Happy new

  39. January 6th, 2011 at 12:44 pm Mike Says:

    This “blog” is a pre-fab sales pitch from Primerica. “Royce” is someone who is paid by Primerica to report in this manner so Primerica gets more people to join up in the hopes of striking it rich.

    The registrant of is CitiBank, N.A. CitiBank operates Primerica Financial Services. There’s your proof that this entire “blog” is an inside job.

    If it’s too good to be true, IT ISN’T TRUE!

  40. January 31st, 2011 at 1:58 am Life Insurance Quote Guy Says:

    Primerica gets a bad rap, but they don’t deserve it! It’s trash value people out there trying to slam buy term and invest the difference.

    A loyal Primerican

  41. February 17th, 2011 at 7:22 am A.Diaz Says:

    I have invested my money and Insurance with Primerica FS. I would do it again great company, Im not a salesman at all.

  42. February 22nd, 2011 at 5:00 pm Ric Murray Says:

    Speaking as a former primerican, I can say that Primerica absolutely has the opportunity. It is not for everybody. I worked with Primerica for a couple of years and, although I did not accomplish much, it was a great financial education. Most of us do not realize what we don’t know about finances. I do not have the aggressive outgoing personality that does best with Primerica. I got the education and licenses for selling securities and the insurance products, but did not pursue business as I could/should have. Primerica is probably the most upstanding company in the business. Don’t hold CitiCorp against the Primerica division.

  43. March 4th, 2011 at 9:56 pm Brucel Says:

    Mike is, unfortunately, almost a year behind the times.

    Last April 1, Primerica went public. The symbol is PRI. Citi no longer has us under its thumb!

  44. March 8th, 2011 at 11:16 am Ryan The Lion Says:

    To all of the fellow primericans out there, I thank you for keeping the crusade alive. We need more people who can help re-create financial literacy across the nation. Keep the momentum going until the job gets done. As for the people who do not know primerica or has had a bad experiences and so thats why they post negative or doubtful comments, unless you’ve tried the company yourself and actually had the work ethic to see the success or unless you have $1million dollars of networth, then you don’t know anything about becoming wealthy. I suggest you stop being cynical or negative for once and try to be openminded about things, it can change your life. Everything is won or lost at the beginning, meaning it all starts with your mind. Do you BELIEVE you can do this or do you not? Forget the products, the bad rep experiences or any other tangable things. Its all about the intangables. Primerica will self develop you to become more confident, optimistic, more excited about where you’re going in life, the ability to speak in front of people which is one of the biggest fears everyone has. This company is a self developing program with a great compensation package. I really do believe you do get paid what you’re worth. And yes the top 2% gets paid the most because they will do things that YOU aren’t willing to do. In a world of starters, we need more finishers. This country has gone too soft and negative and cynical and the saddest things is were in a culture where everything is instant gratification. We need more strong leaders to step up and find those people out there that are looking for something like this. All im saying is find your purpose here on earth and make an impact, use primerica as a vehicle to reach your goals and dreams, and if its not for you, at least come in to learn the fundamentals of how to become mentally tough to survive the journey of your new business or in life in general.

  45. March 9th, 2011 at 11:16 am Division07 Says:

    Primerica works!! The question to be asked and answered is…do you? This is not a “get-rich-quick” scheme. This is an opportunity for you to learn what isn’t taught in our school systems today. As a matter a fact “free enterprise” has never been taught in school. Consider this….

    Who owns schools? Those higher learning institions that we send our kids off to.

    Who owns the banks?
    (You know the answer)

    What’s the interest rate on your savings/investment account right now? Half a percent maybe a little more, did you know that your local bank knows where to get at least 12%? But they would never tell you about it. Why? They don’t want you to be free. They have no vested interest in you becoming free. They would rather you be the hamster on his little wheel. Mindlessly spinning a wheel that never moves forward. PRIMERICA is the salvation that can lift you off that wheel. Primerica can offer you both purpose and direction by teaching you to dream again. If you take the time to learn what Primerica teaches it will empower you.

    Here’s the sad truth…
    Only 2 percent will catch the vision and take their lives to the next level.

    They will empower their children and break the cycle of the “hanster wheel”. Are you a 2 percenter?


  46. March 9th, 2011 at 3:23 pm Anonymous Says:

    Very interesting blog. I agree with some of the writers here that there is a question as to exactly what Primerica is doing to make money. From what I can determine from this website (and someone correct me if I am wrong), is that someone will come to your home to give you financial advice (budget, short term, long term goals), and then depending on your financial situation suggest that term life insurance is advisable. People with no life savings and young children and reasonably steady job should take out term life insurance at least while their children are small (in my opinion). How this translates into a business is difficult to say, but it’s amazing how when thousands of people buy insurance a business happens. This is my brief observation from this website, gleaning from the various comments made here. If you like to be in the insurance selling business, and you like to help people straighten out the mess of their finances, then this is for you. Also, you will probably have to like travelling because eventually the people in your community will all be signed on either as customers or reps, and you will need to go farther afield. But that’s sales.

  47. March 11th, 2011 at 10:57 am Erin R Says:

    – a blog = the worlds biggest public restroom door.
    –so take the info with a grain of salt. do some 3rd party or CREDIBLE research. you have no idea who the person is thats posting, where they are from..etc.

    – If you went to your local McDonalds and you had poor service, the place was filthy, and your burger tasted like crap…whose fault is that really? the people working or are you going to blame McDonalds and never go back…
    -you have to understand that this isn’t a get quick rich thing and not everyone is going to make 6 figures in their first year.
    -however yes we have the most 50,000 and 100,000 even million dollar income earners in our company than any other company in north america…CLEARLY THE SYSTEM works..but does that mean you’ll work?

    – If you want to know how we help families. Schedule a one on one with a REP and complete a financial needs anaylsis. It’ll blow you away….UNLESS you don’t want to know your finanical standing bc people are people and some people you could tell them they are the luckiest person alive and they’ll still TELL YOU something is just HORRIBLE.
    -yes we all know that people like you are out there…try believing in something, try seeking for some sort of positive hope..I’d say start at your local church.

  48. March 11th, 2011 at 10:51 pm flavio Says:

    i dont think primerica is a scam at all, at first i did but after a few reviews and opinions i realised u have to be willing to be successful. to be completely honest i dont know the first thing about insurance and investments and oranizing depts, am i willing to learn? yes. am i positive? no. so that will be a problem. i make close to 6 figures a year and im proud to say i think i will stick to what makes me happy…my job. if i went to primerica i’d be wasting my time. no offence.

  49. March 14th, 2011 at 5:25 pm District Rep97 Says:

    I just found this blog for the first time, Wow read alot of good and people that dont have a clue.Have been insured with primerica for over 20 yrs. but just recently retired from construction and am taking advantage of the business side of it now, my wife and I are a team. Wish I had started when I was alot younger but the bright side is it is never too late to be smart with your finances,and help families get properly protected,show them how to make and save money as we grow our new business to do the right thing for people every time gives us a great feeling. Go team freedom go!!

  50. April 1st, 2011 at 6:10 pm Bob Says:

    I happen to know Chris Royce personally. I can attest to the fact that he is not paid by anyone for his testimony. Where else can you go to have the opportunity to make $10K a week by helping families navigate the financial system to their benefit and not to the benefit of the financial institutions what we have dealt with?

  51. April 3rd, 2011 at 2:27 pm Brenda Says:

    Hi All, Well I am an agent just starting out. I helped a young couple who did not join. But their finances are in order since helping them. All I did was show them a different way to handle their money. Their choice. They now have a house that went fromm 33 yrs to pay to 17 years. They now will have enough to retire on. He facebooked me and said he sure was excited to see how good his investments were doing since sitting down with us.
    What did I do wrong? Nothing! They got what they wanted. Primerica paid me for my work. Even if I did not build a network this alone is worth it.
    And people should get over pyramids. They were outlawed in the 70’s. Anuything now is a ponsi scheme which if caught goes down. Primerica has been here 33 years doing the right thing. And it cost me about $300 to get started, the last business I had cost me in the $1000’s (traditional business). And it didn’t fly. Did you know banks do not include advertising in their loans for business?

  52. April 5th, 2011 at 2:15 pm d daxx Says:

    After reading many articles about the company, it is easy to see that unless you are willing to work hard, then you should not be in the selling or advising business. Most people want a job similar to how government(s) operate; do not do too much work but get good pay, good benefits and can retire after bleeding the company for years; as stated above, not unlike how practically all government(s) work!

  53. April 5th, 2011 at 9:20 pm Daniel Says:

    I was in this business in the 90s, Yes, I went through the process of obtaining my insurance license,which requires
    work. Yes I helped people to understand exactly how they
    can save money through term insurance etc.
    I attended meetings, I attended the seminars that were given for the high achievers,or for the newbies who were
    recognized for their leadership potential.

    Now! Is this a business where you can make money?
    Is this a business where you can realize your God given potential?

    My answer is definitely YES. I have met people who have succeeded in this business, and are making handsome incomes
    what they did to reach the positions they have obtained
    was hardwork,no they didnt do it by themselves they had help
    yet,they followed their leaders,obviously.

    Primerica is a legitimate company,and NO people I am not
    being paid to say this. I have represented this company
    I met Great people,caring people. At the time my kids were young,now they are grown. I just might give this another
    go. See You At The Top. Be Blessed in all abundance.


  54. April 7th, 2011 at 2:57 pm Areg Dadashyan Says:

    Primerica came to my life 5 years ago. Did not take it seriously in the first place but after couple of years here I am full time. I believe most people do not succeed in this company due to their attitude. I am not making all the money in the world right now, but enough to support my family and save for future. But most importantly I LOVE WHAT I DO!!!!

  55. April 11th, 2011 at 5:40 pm brenda b Says:

    I quote “This OPPORTUNITY is not for everyone, but everybody needs this opportunity”. I had a great time working with the primerica comunity and it is something i will never regret.

  56. July 14th, 2011 at 10:02 pm Laura P. Says:

    The reason why so many are unable to see the kind of success that Royce experienced is that the financial products that Primerica pushes are not competitive in the market. Also, they are very restrictive in their marketing protocols. They ask all their representatives to market through referrals starting with family, friends and acquaintances. If the new Primerican is lucky, their family and friends make a decent amount of money, need life insurance and a little investment advice, and won’t turn around to research for better products with lower costs. If those referrals are pinching pennies, or they take an interest in learning more about finance, they will quickly learn that better products at less cost are available. Then the chargebacks will ruin you.

    If you really want to be a financial advisor, like a real professional one who knows what they’re doing and isn’t just pushing one company’s products, I’d recommend looking for a small non-captive firm that’s willing to mentor you.

  57. August 30th, 2011 at 2:14 pm Karen41 Says:

    I joined Primerica just over a year ago after 8 years of refusing it. I became a client 5 years ago and watched my RVP who’s also my sister in law become very successful and not only that, become extremely happy with everything in life. I was so skeptical as well as so many others, but after researching and then joining the company and learning and becoming licenced quickly, I advanced to District Leader within months. I wonder where I would have been if I’d joined 8 years ago, but I can’t dwell on the coulda woulda shoulda! I know that it it completely legit and worth the time, I work at it part time and have learned more and educated more families about the right products, and if that makes me a good income, I feel guilty about nothing. My daughter is 17 and comes to classes and can’t wait to get started as soon as she’s 18, with no pressure from me at all. If people consider this a scam or a cult, bring on your sacrifice, because it’s the best thing that’s ever happened to me!

  58. October 16th, 2011 at 7:06 pm Agivan Says:

    I went to the class tou prepare for the test and found out a wealth of information about insurance and that alone was worth what I had to paid. I am currently in school and have 6 childrent to care for so I wasn’t able to devote much time to it. However, I going take my test and get back on board as soon as I finish my classes. If you aren’t driven I don’t suggest you go in thinking that you will make any money. You may learn some things but you won’t do anything with what you learned. Seed time and harvest is what it requires. You must work at it! Then in time you will reap a harvest. So although I haven’t made money in it, there’s money to be made and people to enlighten and I am eager to do BOTH! Primerica is going to be a huge tool in that because I intend to work at it until it works for me.

  59. November 21st, 2011 at 10:09 am Rachael Says:

    I’m not even a Primerica Rep yet, but I’ve done my research. My husband and I were blown away just being educated on what the banks aren’t telling you about your money. I know that our lives, and the lives of those we don’t know and will know in the near future, are going to be impacted. Who else will give you help getting out of debt for free? Why pay people $1000+ for getting a financial freedom plan? I’m not a salesperson at heart, but I see the logic and freedom in this enough that I, as a mom of 7 kids, know this will work for me. I’ve been working from home for the past two years doing transcription, and I already work 60+ hours a week, which is exhausting. Why do that when I can work fewer hours and spend more time with my family? I know this is an investment worth making.

  60. November 28th, 2011 at 9:00 pm Butchie Says:

    It is amazing to see how the people who understand how Primerica works think alike and talk alike – with positivity! Keep it up Primericans! Only people with sincere belief in the crusade and in themselves will be able to surpass any adversity while doing the business. Thanks to all nonmembers who stated their comments with objectivity and respect. We are all here to make a living. So let’s get along and be happy with each other’s successes, in or out of Primerica!

  61. March 28th, 2013 at 9:23 am Joseph Leonard SR Says:

    Great Story, Really

  62. November 1st, 2013 at 5:55 pm Pat Carter Says:

    Steve – “Doesn’t that make you think that you might be the exception, not the norm?”

    This company was built for exceptional people. In today’s world of high debts, no savings, little protection…who wants that ‘norm’?

    Chris’s exceptionalism is why he successful, not vice versa. This system works better than any I’ve ever seen. I challenge you to find a company with this track record of success.

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